Buy the next lightly used stock standard Tikka TAC-A1, CTR, Bergara B14 or the like that is listed here and then shoot it lots and lots.
I wouldn’t suggest a custom built rifle if you’re new to shooting. They often have lots of teething problems and idiosyncrasies, especially round feeding.
Being under duress of time and position in practical shooting will be your limitation, not the fact your rifle is capable of a .25” group.
To add:
Optics are far more buy once cry once things and worthy of investment. Just get behind as many as you can as reticles and some features are very subjective to the individual.
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